Complaints

This profile includes complaints for Credit9's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Credit9 has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Credit9

  18200 Von Karman Ave Ste 500 Irvine, CA 92612-7145

  
• 

  Credit9

  18201 Von Karman Ave Ste 700 Irvine, CA 92612-1058

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/22/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a mailer from Credit9 stating that I was pre-qualified for a debt consolidation loan for up to $22,000. I ended up speaking with three different counselors since I had called them once, and they called me twice. Bottom line is I was offered a debt management plan which would entail me paying a monthly payment to a company called Americor, and when there was enough funds in the account, Americor would contact my creditors and attempt to obtain settlements for less than what I owed.My complaint is that I feel this is a classic bait and switch. I feel they target desperate people with lots of debt, and then dangle the possibility of obtaining a consolidation loan, only to rip out the carpet and offer a debt relief plan.I received the same pitch from all three representatives including a soft pull on my credit where they found and read off my debts. Then they collected the rest of my monthly expenses and put me on hold while they allegedly tried to find me a loan.Of course I was not approved and then they tried to sell me their debt relief program.If they were upfront in the mailer and simply offered debt relief services, I would have no complaint.But since it became obvious this was a classic bait and switch to get me into their plan, I feel like their whole intent was to trick me into thinking I would get a loan only to try and place me into their highly lucrative (for them) program. I have read on other forums that they charge a 25 percent fee on the amount of final debt settlement, for each debt.They do offer a "loan" that IF I QUALIFY they would lend me money to speed up the settlement process, which I would then pay back at low interest. This is after 6 months of payments to them.I am very skeptical that I would be granted such a loan.Resolution I would like. ***** me a loan if possible. Stop sending deceptive mailers that imply a loan is possible. Provide statistics of people who actually get loans.

  

  Business Response

  Date: 06/28/2023

  We regret you feel that the marketing mailer you received was not a legitimate pre-approved offer.  It is important to note that the pre-approval in the mailer is only based on limited credit reporting information, which is standard, and any actual approval considers additional qualifying information that is collected from your conversations with the Company representative. The mailer does disclose that All loans are subject to credit review and approval .   *********** did consider such information and regrettably you did not qualify. You will be receiving a letter of credit denial specifying the specific reason(s). At a high level a review of your credit profile indicated too many new tradelines opened within the last 12 months and excessive obligations disqualified you for a loan.
  After your loan eligibility was reviewed, the Company representative presented you with an opportunity from Credit9s sister ******** Americor.  Americor offers an alternative option of a debt settlement program. The Americor debt settlement program does offer an opportunity for a loan review with Credit9 after a six-month period provided the applicant can still meet certain underwriting qualification.  Credit9 is able to consider the timely deposit history with Americor in its credit analysis and has different underwriting criteria with someone that has payment experience into that program. That said,we cannot guarantee eligibility for a future loan option until the loan is re-reviewed by Credit9 starting at month six (should you elect to remain in the program).
  With respect to your request to stop sending mailers, we have removed your contact information from our mailing lists. 

  Customer Answer

  Date: 06/28/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *****************************
  
   
  

• Initial Complaint

  Date:06/15/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Company denied my application, which I have no issue with. However, they have continued to contact me excessively (more than 5 times per day).

  

  Business Response

  Date: 06/16/2023

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided and your contact information on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address it promptly. We appreciate your understanding in this matter.

  Customer Answer

  Date: 06/16/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *************************
  
   
  

• Initial Complaint

  Date:06/13/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Still receiving multiple calls per day despite not being interested, asking to be removed from list, and not answering calls. Calls come from multiple numbers, so unable to block them from contacting me.

  

  Business Response

  Date: 06/14/2023

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided and your contact information on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address it promptly. We appreciate your understanding in this matter.

  Customer Answer

  Date: 06/14/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***********************
  
   
  

• Initial Complaint

  Date:06/08/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company called me earlier this week. I do not know how they got my information. I have never heard of them, nor did I request them to contact me. The first time they mailed me, then they started calling. I explained that I didn't request information and asked them to remove me from their list. I was assured I would be removed. I also blocked the number.The next day, I received another call from this company using a different local number. When I told this person that I'd asked to be removed, they asked to confirm my contact information. They then tried to again talk to me about financial matters. I told her once again I wasn't interested and wanted to be removed. She continued ignoring me, trying to get me to disclose more information, with the insistence that it would "just take a moment." My assumption can only be that this company is trying to use people's personal information for their own gain and they clearly don't want to follow protocols for listening to customers. so basically i copied this from the last persons complaint because my complain is the same... with a few extra really nasty extras. first guy gave me a dissertation on how i am incorrect on him invading my privacy and how i have to extremely nice to him if i want my information removed from their lists. second guy wanted a reservation number" however i have learned from experience this is code for lets verify your information so we can double our efforts. third guy took my credit card number to assure me of positive results, fourth guy took no information & just hung up, as did the fifth. i just saw a charge on my card

  

  Business Response

  Date: 06/08/2023

  We have conducted a thorough search of our internal records and have found no record of this consumer by the identifiers included in their complaint. (first/last name,address, telephone number, and email address). As a result, we cannot adequately address their concerns.  If they have any other information (i.e., telephone records, e-mails, or any other written documentation), and the Credit9 representatives name which contacted them, we will happily conduct further investigation. Additionally, the claims made indicate parts of the complaint were copied from a previous complainants and there are allegations of unauthorized charges. We ask that the complainant provide more specific information regarding this matter or copies of documentation thats supports this claim.  We look forward to addressing this consumer claims when we receive the information requested.

• Initial Complaint

  Date:06/07/2023

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have already submitted a notification to be added to the do not mail list. They have mailed me Prescreened offers 4 times since then. This is border line harassment now.

  

  Business Response

  Date: 06/07/2023

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have removed the address you provide from our mailing lists. We trust that this action will prevent your receipt of any further mailings, and we apologize for any in mailing that *** already be in process. Should you receive further unwanted communications, please bring the matter to our attention and we will address it promptly. We appreciate your understanding in this matter.

• Initial Complaint

  Date:06/06/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Get calls and text messages repeatedly from Credit9 despite speaking to their representatives multiple times requesting to be removed from their call list. Sometimes multiple times per day, and sometimes when I do answer, the line is dead and nobody responds. Calls come from many different phone numbers making it impossible to block.

  

  Business Response

  Date: 06/07/2023

  
  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided and your contact information on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address it promptly. We appreciate your understanding in this matter.

  Customer Answer

  Date: 06/07/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *************************
  
   
  

• Initial Complaint

  Date:06/03/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Constant phone harassment, will not stop calling. Blocked number but keeps calling on other numbers.

  

  Business Response

  Date: 06/05/2023

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided and your contact information on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address promptly. We appreciate your understanding in this matter.

• Initial Complaint

  Date:05/24/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They won't stop calling they call multiple times a day.

  

  Business Response

  Date: 05/25/2023

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided and your contact information on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address promptly. We appreciate your understanding in this matter.

• Initial Complaint

  Date:05/23/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Never asked for a call and they call me multiple times a day I've tried to block but they call from a new number.

  

  Business Response

  Date: 05/23/2023

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided and your contact information on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address promptly. We appreciate your understanding in this matter.

• Initial Complaint

  Date:05/10/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company called me earlier this week. I do not know how they got my information. I have never heard of them, nor did I request them to contact me. The first time they called, I explained that I didn't request information and asked them to remove me from their list. I was assured I would be removed. I also blocked the number.The next day, I received another call from this company using a different local number. When I told this person that I'd asked to be removed, they asked to confirm my contact information. They then tried to again talk to me about financial matters. I told her once again I wasn't interested and wanted to be removed. She continued ignoring me, trying to get me to disclose more information, with the insistence that it would "just take a moment." My assumption can only be that this company is trying to use people's personal information for their own gain and they clearly don't want to follow protocols for listening to customers.

  

  Business Response

  Date: 05/10/2023

  Thank you for bringing this matter to our attention. We take your claim seriously and we apologize for any inconvenience this matter has caused. We have adjusted our records and have placed the telephone number you provided and your contact information on our internal Do Not Contact lists. We trust that this action will prevent any further contacts. Should you receive further unwanted communications, please bring the matter to our attention and we will address promptly. We appreciate your understanding in this matter.

  Customer Answer

  Date: 05/10/2023

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *************************